(1) “Negotiate” means to confer directly with or to offer advice directly to a purchaser or prospective purchaser of a particular policy of insurance concerning any of the substantive benefits, terms or conditions of the policy, if the person engaged in that act:
(a) Sells insurance; or
(b) Obtains insurance from insurers for purchasers.
(2) “Sell” means to exchange a policy of insurance by any means, for money or its equivalent, on behalf of an insurer.
(3) “Solicit” means to attempt to sell a policy of insurance or to ask or urge a person to apply for a particular kind of insurance from a particular insurer. [Formerly 731.062]